Tip for getting the best insurance quote

General insurance quotes: Have your current insurance policy with you when requesting your insurance quotes. Consider a higher insurance deductible. Place all of your insurance policies with the same company to qualify for a multiple policy discount. For car insurance quotes Be sure all vehicle discounts are applied (Anti-lock brakes, Alarm system, daytime running lights, vin-etching, etc.). Take a defensive driving course. Be very accurate about your mileage to and from work. Ask about affinity discounts. For a homeowners insurance quotes Be sure that your home is insured to its value Be sure all home discounts are applied (Alarm, smoke alarms, fire extinguishers, dead bolt locks, etc.). If your older home has been renovated, tell your agent. For a life insurance quotes Consider level premium term insurance. If you are a smoker, quit for at least 13 months and request that your insurance company consider you for a nonsmoker insurance rate. For a health insurance quotes Consider a higher co-payment or deductible. Join a group health insurance plan. For a long-term insurance quotes Consider a longer elimination (waiting) period. Purchase coverage when you are young (premiums are lower). Pick a daily benefit based on where you live.

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When something goes wrong that could lead to a claim

Your first responsibility is to whoever has been injured or distressed. Provide assistance and support and seek medical advice and treatment where required. Do so immediately and where there is some concern expressed by the injured person, express your concern and ensure that where there is any doubt, medical opinion is sought. This is to protect both the injured person and your organisation. Where there is a need to phone a parent or carer do so as soon as practical and do so in a caring manner. Stick to the facts in any conversation and avoid discussion on possible liability or blame.

If an incident does occur that even remotely may lead to a claim record the incident. In doing so stick to the facts of what happened. Don't attempt to allocate blame on any person or piece of equipment and avoid making personal comments or opinions. If you have employed staff ensure that they are all aware of a recording process and who should be advised in the event of an incident. Notify your insurer of all potential and actual claims as soon as possible.

Before you buy insurance

Out there too many insurance company who provide many different type of policy. Before you decide to buy any insurance here are some point that you should look at: 

The limit of cover - how much does the policy cover you for?

Any excess on claims - is there an excess on a claim? If so what is the excess? Is the excess on each and every claim?

What is the geographic scope of the cover - does it cover you and your members when they are interstate or overseas

Be mindful that most policies will only cover your organisation and members when they are acting in authorised activities.

Make sure that you investigate any exclusions - it could well be that these exclusions make the policy irrelevant to you.

If you do require several different policies try and package them together as it can lead to savings.

If you belong to a group that is associated with other similar groups explore the possibilities of "pooling" your insurance needs. This will almost certainly lead to discounts.